COMP <GO>
ENVA vs JPM // DIVIDEND YIELD & FCF PAYOUT SAFETY
Enova International Inc. (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: ENVA 7
— JPM 7
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: JPM
LAST: $174.09 (-3.84%) • MKT CAP: $4.43B
dividend-safety
0.00%
LAST: $337.04 (-1.90%) • MKT CAP: $895.92B
dividend-safety
1.96%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ENVA VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ENVA | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 58.10% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.10% | 17.37% | -0.27 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 7.6x | 9.7x | -2.07 | ENVA | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | -18.14% | +40.14 | ENVA | /fcf-yield <GO> |
| Operating Margin | 23.50% | 42.07% | -18.57 | JPM | /operating-margins <GO> |
| Net Profit Margin | 9.80% | 32.63% | -22.83 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 18.60% | 13.53% | +5.07 | ENVA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 0.00% | 1.96% | -1.96 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.96 | 0.37 | +1.59 | ENVA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 2/9 | +6.00 | ENVA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.40% | 4.84% | +2.56 | JPM | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.0 | 49.0 | -5.03 | JPM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.00 | +0.16 | ENVA | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | 13.6x | -1.47 | ENVA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.43B | $895.92B | -$891.49B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ENVA REV | JPM REV | ENVA GROSS % | JPM GROSS % | ENVA FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.15B | $182.45B | 58.1% | — | $1.68B | -$147.78B |
| FY 2024 | $2.66B | $177.56B | 57.5% | — | $1.42B | -$42.01B |
| FY 2023 | $2.12B | $158.10B | 44.0% | — | $1.07B | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ENVA // BETA 1.16
JPM // BETA 1.00